🗺️Roadmap

2025 Q4

1. Web3 Card System Upgrade: Apple Pay / Google Pay one‑tap provisioning Deliverables: One‑tap virtual card binding (Apple Pay/Google Pay/QR Pay), fast top‑up (MET/USDT), instant usability. KPIs: Card‑open conversion +15% | FTR ≥ 35% | failure rate < 2%. Dependencies/Compliance: Issuer & rails, BIN whitelisting, regional rollout with risk alignment.

2. Multi‑country fiat rails (20+ countries) Deliverables: Local acquiring/settlement & FX routing; per‑country limits/fees. KPIs: Countries ≥ 20 | MAPU geo spread +30% | chargebacks < 0.5%. Dependencies: Redundant PSP/settlement partners; KYC/KYB tiers; tax & invoicing.

3. “Relationship Leaderboards” (tips & interaction points visualization) Deliverables: Fan/support/influence leaderboards; linked to memberships. KPIs: Live GMV +20% | creator ARPPU +15% | daily interactions +18%. Abuse control: Sybil detection, anomalous gifts circuit‑breakers, de‑noising.

4. Open APIs Deliverables: Payments receipts, behavior tracking, rebate issuance, quest redemption, NFT issuing (Webhooks/SaaS Console). KPIs: ≥ 50 new integrations/month | external‑source GMV ≥ 10%. Governance: Limits/permissions/rates; developer settlement & audit proofs.

2026 H1

1. “Payment Reputation Score” (on‑chain credit) Deliverables: Verifiable reputation (SBT/revocable VC) from payment/ dispute history; merchant allowlists & limit optimization. KPIs: Chargebacks −20% | allowlisted AOV +10% | merchant fraud loss −30%. Privacy: Minimal identifiability; summary on‑chain; model assessments.

2. Web2 entry points (Telegram, short video) Deliverables: Bots/minis/deep‑links for see → chat → pay flows; social tasks straight into card‑side spending. KPIs: External inflow ≥ 25% of MAPU | social‑to‑first‑payment ≥ 8%. Dependencies: Platform content/ads/pay policies; risk for anti‑astroturfing.

3. Identity tiers + customizable memberships (linked to $MET staking) Deliverables: Staking levels ↔ membership rights (fee discounts, limits, priority matching, creator tools). KPIs: Staked 8–12% of circulating | membership renewal ≥ 60%. Governance: On‑chain tier coefficients & multipliers; auditable & rollbackable.

4. Co‑brand/white‑label cards Deliverables: Sub‑brands for partners/KOLs/communities with rebate pools; reconciliation and reporting. KPIs: ≥ 20 partners | co‑brand GMV ≥ 15% | repurchase +10%. Compliance: Brand licensing, KYC/KYB, localized settlement & tax.